Disclaimer /disˈklāmər/
noun: disclaimer; plural noun: disclaimers
a statement that denies something, especially responsibility.
All generalizations are false; including this one.
~Anonymous
Dear Reader,
I hope you are enjoying your holiday season and staying healthy!
With all the stuff that goes with the holidays, I am sure you have seen disclaimers everywhere, especially when signing up for something new or purchasing things and signing up for protection/insurances for those items. I avoid doing these like the plague.
Like most people, I deeply dislike disclaimers. For example, see the quote above. But then it is also one of my favorites.
I would like to end the year with my own disclaimer for the blog:
Never think that this blog is meant to answer your specific medical questions. It will not, I promise you. Instead, go to a trusted physician to discuss them.
And as for Drs. Google or Tiktok - they are mostly for entertainment; maybe helpful in some circumstances where patients find what things they want to be reassured about. But remember, when the excrement hits the proverbial fan, they will not be around to help you. That should be their disclaimer.
This blog is simply what I hope to be a record of my adventures as a physician at Lupine Family Medicine while being a mom and homeschooling two boys, a wife to a firefighter and a citizen in this wonderful place called Earth! I have been learning what it means to be lupine in the current health care environment now that I have endeavored to start my own practice.
An update on my start up progress: my office is now looking presentable and I am able to give tours to prospective patients. The only things left to do to open are to finish purchasing office supplies and equipment plus getting my patient agreements set up with a lawyer and paying for my own malpractice insurance. I hope I get all of these done before March 1st - projected opening day.
And lastly, because many people are going through this month figuring out what is best coverage for their health insurance, check out the generic disclaimer from health insurance companies:
Insurance Disclaimer: “A quote of benefits and/or authorization does not guarantee payment or verify eligibility. Payment of benefits are subject to all terms, conditions, limitations, and exclusions of the member's contract at time of service.”
In the meantime, we are supposed to pay the monthly premium of $560 - average cost. Much higher if you want a lower deductible.
(What the heck is a deductible. It took me a year after I graduated from medical school to understand this concept. I'd like to think it's because it's conniving and doesn't make sense).
And what does that get us? If it’s a “good” insurance company, it will cover our basic health care costs and emergencies. But wait, we need to pay the out-of-pocket maximum first which includes copays and the deductible. And then no worries, we are now completely covered.
Also, we can only go to the doctors that the insurance company is contracted with. Oh and also the pharmacy that they are contracted with. Oh and also the formulary. Oh and also, who is a good insurance company? Is there one that is local and not owned by a faceless private equity firm? And is not taking millions of dollars of taxes we have paid to the federal government and turned it into a private companies that administer Medicare Advantage plans that over-code and make their members look sicker so they can collect more money and drive up costs of insurance? Who came up with this stuff? It is a genius money-making machine - and it is completely legal?
So taking the data from Dr. Google below, and we want to pay for the BEST insurance company - the GOLD plan - for an individual person - we have to pay $10,000 per year to have full insurance coverage.
So, now that we are covered - shall we make an appointment with the doctor? How long does it take you to see your doctor? Once you see your doctor after the 6 weeks you waited for the appointment, how long do they spend time with you? What are they doing outside of the 15 minutes they are allotted to see you, in addition to the other 20+ patients in their schedule?
$6,921 for Bronze plans, $4,816 for Silver plans, $1,641 for Gold plans, and $0 for Platinum plans
2023 out-of-pocket maximum cannot exceed $9,1000 for an individual plan and $18,200 for a family plan
Just a plug for my little clinic: it will cost a family of 4 (2 kids and 2 adults) $3,240 per year to have a guaranteed physician taking care of them directly - in the way that makes sense and is clinically indicated. There are no surprise bills - that is it. And this physician is not a faceless entity. She is a regular, tax-paying citizen of Wenatchee, WA who is fully invested in her community - which means she has NO disclaimers. To be lupine, she cannot disclaim the inherent responsibility in being a part of a community, in being a human.
I would love to hear responses about any of the posts here, so please email me comments and also send blog post ideas to hello@lupinemd.com.
Sincerely,
Dr. Hendrick
Hours of operation
Monday-Friday (By appointment only)
Follow us on Facebook and Instagram @lupinefamilymed
135 S Worthen St.
Suite 200
Wenatchee, WA 98801
509.888.2200
| Lupine Family Medicine